BOC NVMO Card

Complement your everyday lifestyle with the BOC NVMO Card. Earn up to 10% cash rebate on common spend categories, from dining and entertainment to travel and health.

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Card benefit

% cashback

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Earn up to 10% cashback on dining and food delivery, up to 8% on travel & entertainment, up to 3% on shopping & lifestyle, and up to 3% on health & wellness spend with a min. monthly spend of S$800. Spend categories with boosted rebate rates are each capped at S$25 per month; if spend is less than S$800, 0.3% cash rebate will be awarded on all other spend with no cap.

Annual Fee

S$ 207.1

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Enjoy first year annual fee waiver (S$207.10 incl. GST) for both principal and supplementary cards.

Monthly Spend Required

S$ 800

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S$800 min. monthly spend required to unlock boosted cash rebate.

Minimum Annual Income

S$ 30,000

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Highlights

Card benefit

% cashback

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Annual Fee

S$ 207.1

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Enjoy first year annual fee waiver (S$207.10 incl. GST) for both principal and supplementary cards.

Monthly Spend Required

S$ 800

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S$800 min. monthly spend required to unlock boosted cash rebate.

Minimum Annual Income

S$ 30,000

Offer Available

Stackable Welcome Offer

BOC x VISA Vee Eco Bag & Charm

Stackable Welcome Offer promotion is valid from 10 July 2026 until all Welcome Gifts have been redeemed.
Promotion is valid for new BOC credit card customers only.
Apply and get approved for the BOC NVMO Card and charge a min. spend of S$200 to your card within 30 days of the card approval date to be eligible for the Welcome Gift: a BOC x VISA Vee Eco Bag & Key Charm.
- Welcome Gift is limited to the first 1,500 qualified cardmembers on a first-come, first-served basis.
Promotion is stackable with existing SingSaver Exclusive Offer (additional T&Cs apply).
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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Dining rebate

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Public transportation

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Monthly spend required

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Rebate cap

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Benefits

Cashback

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Cashback Base Rate

0.3 %

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0.3% cash rebate will be awarded on all other spend categories (or all categories if monthly spend is less than S$800).

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Cashback Local

Up to 10 %

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Get up to 10% cashback with minimum monthly spend of S$800, capped at S$25. Base rate 0.3%.

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Cashback Overseas

Up to 10 %

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Get up to 10% cashback with minimum monthly spend of S$800, capped at S$25. Base rate 0.3%.

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Cashback Travel

8 %

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Get 8% cashback on travel & entertainment spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Dining

10 %

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Get 10% cashback on dining & food delivery spend globally with S$800 min. monthly spend, capped at S$25.

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Cashback Supermarket

3 %

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Get 3% cashback on shopping & lifestyle spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Retail

3 %

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Get 3% cashback on shopping & lifestyle spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Local Online Shopping

3 %

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Get 3% cashback on shopping & lifestyle spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Overseas Online Shopping

3 %

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Get 3% cashback on shopping & lifestyle spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Health

Up to 3 %

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Get up to 3% cashback on health & wellness spend with S$800 min. monthly spend, capped at S$25. Base rate 0.3%.

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Cashback Transport

3 %

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Get 3% cashback on ride hailing and contactless bus & train rides with S$800 min. monthly spend, capped at S$25.

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Quick Facts

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10% cash rebate on dining & online food delivery globally.

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8% cash rebate on travel & entertainment spend (MY &ID in-store spend, online travel booking, concert booking, streaming subscriptions).

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3% cashback on shopping & lifestyle spend (contactless bus & train rides, ride hailing, supermarkets, online purchases).

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Up to 3% cashback on health & wellness spend (hospital bills, vet services & pet shop spend, insurance).

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0.3% cashback for all other spend categories.

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First year annual fee waived for principal and supplementary cards.

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S$800 min. monthly spend required to unlock boosted cashback rates.

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Boosted cashback categories (Dining & Online Food Delivery / Travel & Entertainment / Shopping & Lifestyle / Health & Wellness) are capped at S$25 each per billing cycle.

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S$207.10 annual fee (inclusive of GST).

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

S$ 800

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S$800 min. monthly spend required to unlock boosted cash rebate.

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 207.1

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Enjoy first year annual fee waiver (S$207.10 incl. GST) for both principal and supplementary cards.

Foreign Currency Transaction Fee

3 %

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2% administrative fee and an additional 1% cross-border fee for Visa credit cards.

Cash Advance Service Charge

S$ 20

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S$20 or 6% of amount withdrawn, whichever is higher

Air Miles Conversion Fee

S$ 30.56

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Each air miles transfer to the Cardmember’s FFP Account will be subject to a non-refundable conversion fee of S$30.56 (inclusive of GST), or a conversion fee of such other amount as BOC may determine in its absolute discretion.

Repayment

Minimum Payment

3 %

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3% of the monthly balance outstanding, plus any outstanding Minimum Payment Sum, plus the amount in excess of the Credit Limit, or S$50, whichever is greater.

Late Payment Charge

5 %

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5% per month of the Minimum Payment Sum, subject to a minimum of S$100 per month; if minimum monthly payment is not made by due date

Interest on Purchase

28.88 %

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If payment is not made in full by the Due Date, interest will be calculated on a daily basis on the outstanding balance from the previous Statement Date and on all new transactions from the date they are posted to Card Account. No interest will be levied if payment is received in full by the Due Date and there is no balance carried forward from the previous statement.

Interest on Cash Advance

28.88 %

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Interest Free Period

23 days

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23 calendar days from statement date if bills are paid in full. Balances are interest-free only if EIR is zero.

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Others

Association

VISA Platinum

BOC NVMO Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

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